If you’re lucky enough to work for one of the many tech companies that offer multiple ways to save money, you may be wondering which programs to prioritize. Microsoft employees, for instance, have the good fortune of having access to a pre-tax/Roth 401(k), after-tax 401(k), Employee Stock Purchase Plan (ESPP) and Health Savings Account (HSA)….
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If there’s one thing I love to do, it’s to negotiate. I know it can be intimidating and sometimes scary, but I tend to see it as a game. I’ve negotiated every single job offer I’ve received—some successfully, and others not so much—as well as various car, house, and other purchases. I am by no…
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You may or may not have heard of a Mega Backdoor Roth, but they are becoming increasingly common, especially in the tech world. Often confused with a Backdoor Roth IRA contribution or a Roth 401(k) contribution, this strategy, while sharing similarities with both, is unique for a few reasons. STANDARD 401(K) REVIEW First, let’s review…
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